Rita Sanchez is a financial advisor with Morgan Stanley in La Jolla, CA, holding the Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process supported by firm-approved tools and modeling techniques.

Oliver Polo is a Wealth Management Advisor at Merrill Lynch Wealth Management and a partner with the Mohler Polo Mofty Group based in Del Mar, California. He has been in the financial advisory industry since 2007, providing services to a select group of families and businesses. Oliver's approach involves developing a clear understanding of his clients' financial situations, goals, timelines, and risk tolerances to create personalized and efficient financial strategies. He regularly reviews these strategies to adapt to clients' changing circumstances. Oliver's areas of expertise include portfolio management, investment analysis, market-linked investments, alternative investments, and various client focus areas such as corporate executive services, family wealth management strategies, LGBT wealth planning, philanthropy, socially responsible investing, tax minimization, and retirement income. He holds several professional designations including the Chartered Financial Analyst (CFA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Oliver is a graduate of San Diego State University, where he earned a Bachelor's Degree with an emphasis in Finance. He is fluent in Spanish and engages with professional organizations such as the CFA Society San Diego. Beyond his professional life, Oliver is involved in community organizations including Feeding San Diego and Junior Achievement. He has a variety of personal interests including basketball, boxing, dancing, hiking, music, reading, soccer, spending time with family, watching movies, and practicing yoga.

Todd Trusso is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 65 licenses and has 27 years of industry experience. His prior roles include positions at Altegris Investments, Inc., Altegris Portfolio Management, Inc., and Capital Investment Advisors, LLC. He serves as Secretary of the Board and is on the finance committee for the Boys and Girls Club of Northwest San Diego. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Glenn Mazzone is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and integrates structured discovery conversations with firm-approved planning tools.

Kristel Jocson is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds a Series 63 designation and has worked at Wells Fargo Clearing since 2017, following five years at J.P. Morgan Securities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both discretionary and non-discretionary services tailored to plan objectives, demographics, and risk tolerances.

Sacha Mackels is a CFP® and ChFC® with 14 years of experience in financial services. He is affiliated with Cetera and has previously worked with Securian Financial Services and Minnesota Life Insurance. Mackels is also the owner of Mackels Advisory and Planning LLC, an expense management business. Cetera Investment Advisers LLC serves a broad client base including individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors, utilizing multiple program structures and access to both affiliated and third-party investment managers.

Zackery Bertrand is a CFP® professional with 10 years of industry experience. He is currently an advisor at OSAIC and previously worked for nine years at Lincoln Financial Advisors. He is also licensed to offer non-variable insurance and annuity products. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and nonprofits through a broad network of advisers and platforms, providing integrated brokerage, advisory, and managed portfolio services.

Ryan Friesen is a CFP® professional with three years of industry experience, currently affiliated with Cetera. He has held roles at several related firms including Celeste Financial Group and Vanderbyl Associates INC. Outside of his advisory work, he is involved with Celeste Financial Group, where he reviews client profiles and prepares client reviews. Cetera Investment Advisers LLC is a large, SEC-registered advisory firm that serves a diverse client base including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party investment options.

Laura Smith is a CFP® with 28 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2010 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Tanner Curtiss is a Wealth Management Advisor with Merrill Lynch Wealth Management and a third-generation Merrill Advisor, working alongside his father at the Curtiss and Associates group. He helps clients pursue their long-term financial goals through personalized wealth management strategies, drawing on Merrill's investment insights and the banking and lending solutions of Bank of America. His client focus areas include college education planning, legacy planning, personal retirement planning, and retirement income. Before joining the Curtiss and Associates team, Tanner gained experience as a financial analyst at both a local startup and a Fortune 100 technology company. His team emphasizes delivering consistent resources and practical analysis across various industries to help clients achieve financial freedom despite changing environments. Tanner holds a Bachelor's Degree from Tulane University and holds the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) professional designations. He is involved in professional organizations such as Junto and Startup San Diego. In addition to his professional work, Tanner participates in community volunteering aligned with Merrill's tradition of community service. His personal interests include camping, golfing, hiking, racquetball, running, surfing, tennis, and yoga.

Steven Varghese is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 credential and bringing one year of industry experience. Prior to his current role, he has held several positions including at EagleStone Tax & Wealth Advisors and multiple roles within the University of California, San Diego. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, noted for its Premier Retirement Income service that provides tailored retirement income planning through ongoing advice and written recommendation reports. The firm’s approach integrates proprietary investment research and third-party data within a product ecosystem that includes affiliated sub-advisers and managed accounts.

Waheeda Noor is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 licenses and having nine years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at WELLS FARGO Advisors, LLC. Noor serves as treasurer for the San Diego Afghan Refugees Aid Group, where she manages the organization’s books and records. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Christie Shaw is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 14 years of industry experience. She has been with LPL Financial since 2011. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting supported by research and model portfolios from LPL and third-party subadvisors.

Casey Rader is a CFP® and Series 66 registered financial advisor with 22 years of industry experience. He has been with UBS Financial Services Inc. since 2013 and is based in La Jolla, CA. Outside of his advisory role, he serves as a notary public. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources.

Melissa Mills is a financial advisor with LPL Financial in San Diego, CA. She holds a Series 66 designation and has 10 years of industry experience. Her prior experience includes roles at Royal Alliance Associates, Inc. and Genovese Burford & Brothers. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by research and model portfolios.

Nolan Worley is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 20 years of industry experience. His prior roles include positions at NW Asset Management, Cavanaugh Financial Group, and Raymond James Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs and financial planning services, providing both discretionary and non-discretionary management along with access to research and diversified investment strategies.

Jack Patague Jr. is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. Prior to joining LPL Financial in 2021, he worked at Matthew Plocher and Northwestern Mutual Investment Services Inc. He is also engaged as a content creator and streamer with Gold Sparrow Gaming. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of advisors, offering a range of financial planning and advisory programs with discretionary and non-discretionary management options.

Ria Gost is a financial advisor at LPL Financial in San Diego, CA, holding a Series 63 credential with 23 years of industry experience. Her professional background includes roles at Commonwealth Financial Network, SCF Investment Advisors, Behavioral Health Works, and Chalice Wealth Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base, including individuals, retirement plans, banks, and charitable organizations, offering a range of financial planning and advisory services supported by diverse investment strategies and technology.

Jared Roethlisberger is the Vice President and Branch Leader at Fidelity Investments, where he leads a team of financial professionals dedicated to providing comprehensive wealth planning and investment strategies tailored to clients' financial goals and needs. He has been with Fidelity Investments since 2013, progressing through roles including Regional Relationship Manager, Investment Consultant, Financial Consultant, and Assistant Branch Office Manager before assuming his current leadership position in 2018. Prior to joining Fidelity, Jared worked as a Financial Advisor at Merrill Lynch from 2011 to 2013. He holds a California Insurance License, supporting his expertise in financial and insurance planning. Jared's professional experience encompasses wealth management, investment consulting, and client relationship management. Outside of his professional responsibilities, Jared enjoys camping, cars, family activities, hiking, parenthood, and traveling.

Karlee Johnson is a financial advisor with Charles Schwab, holding a Series 63 designation and 28 years of industry experience. She has been with Charles Schwab & Co., Inc. since 2003 and Charles Schwab Bank, SSB since 2005. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios, alternative investment due diligence, and integrated custody and brokerage services.